how can I make money by affiliate programs? because I have no credit card?
You don't need a credit card to make money with affiliate programs.
Most affiliate programs pay you by mailed check or Paypal. Some only pay via Paypal, and a few of the bigger ones also offer direct deposit to your bank account.
Hi,
Some affiliate programs allow you to use Paypal, which can be connected to a bank account--not a credit card. I have also heard of programs who send you checks in the mail.